Comprehensive Financial Advice For British Expats In 2025
For UK expats, financial planning is essential to securing a successful future. Whilst moving abroad can be full of new opportunities, it also comes with uncertainties - don’t let your finances be one of them.
When relocating, it’s crucial to understand the financial implications of your move, including local tax implications, currency fluctuations, exchange rate risks, how your investments will be affected and how you will access your pension funds.
Proper financial planning ensures that you remain financially secure and that you and your family are well-protected, giving you peace of mind to fully enjoy your new life abroad.
Financial Planning For Expats
Effective financial planning ensures your money is working for you and helping you achieve your goals.
At The Wealth Genesis, we take a holistic approach- considering your unique circumstances to create a tailored financial plan that aligns with your aspirations.
We begin by assessing your current situation—where you are in life, your priorities, assets, liabilities, and immediate short-term needs. We then factor in your mid-term goals, attitude to risk, and preferred investment strategy. Finally, we look at your long-term vision, including your retirement plans and financial security for the future.
By taking all these elements into account, we create a bespoke, comprehensive plan which will allow you to move forward with confidence.
Investment Strategies For British Expats
Being equipped with the right knowledge will help you make informed investment decisions while living abroad.
At The Wealth Genesis specialise in creating tailored investment strategies designed specifically for expats, helping you grow your wealth and achieve your financial goals more efficiently.
By understanding your risk profile, we can curate an investment portfolio which strikes the perfect balance between risk and reward. Additionally, we ensure your investments are structured to be as tax-efficient as possible. Without proper planning, tax liabilities such as Capital Gains Tax (CGT) and income tax on investment accounts can significantly reduce your profits over time.
We implement strategies to minimise these liabilities while ensuring full compliance with local tax laws. This may include a range of tax-efficient solutions designed to protect and maximise your investments.
Expat-Specific Pension Solutions
As a UK expat, the International SIPP (Self-Invested Personal Pension) is a fantastic pension solution which combines both flexible retirement savings options with a wide range of investment opportunities.
With access to funds, stocks, ETFs, and bonds, it allows you to build a diversified portfolio which aligns with your financial goals. One of the key advantages for expats is the ability to hold investments in multiple currencies, helping to mitigate currency exchange risk.
Additionally, the International SIPP is highly tax-efficient, with all growth within the scheme free from capital gains tax and income tax. Since the scheme remains in the UK, it also benefits from the protection and security of UK regulators such as the FCA and FSCS.
Learn more about the International SIPP and how it could work for you here.
Tax-Compliant Investment Bonds
As a UK expat, you may have access to locally compliant investment bonds, depending on your country of residence.
Available in jurisdictions such as France, Portugal, and Spain, these bonds are designed to meet specific tax and legal requirements while offering significant tax advantages. One of their key benefits is tax-deferred growth - there is no tax on the investment itself, and you won’t pay tax until you make withdrawals. This makes them highly efficient for long-term financial planning.
Additionally, they can provide estate planning benefits, such as potential reductions in inheritance or succession tax, and greater flexibility in naming beneficiaries. Many locally compliant bonds also offer multi-currency investment options, making them ideal for expats managing wealth across different currencies.
Since eligibility and features can vary, it's essential to seek guidance from an expat financial adviser to explore which locally compliant bonds may be best suited to your needs.
Offshore Investment Platforms
Offshore investment accounts are a popular choice among expats worldwide, offering a low-cost, tax-efficient way to grow wealth while living abroad. Known for their flexibility and portability, these accounts are perfectly suited to expats who need an investment solution which adapts to their international lifestyle.
These platforms allow you to invest both lump sums and regular savings into a secure platform regulated by the UK’s Financial Conduct Authority (FCA) and protected by the Financial Services Compensation Scheme (FSCS).
One of their key benefits is tax efficiency—there is no capital gains or income tax within the account, meaning your investments can grow in a tax-free environment and continue to benefit from compounding returns.
Offshore investment platforms also provide access to a wide range of investment opportunities, enabling you to build a well-diversified portfolio tailored to your financial goals.
Cross Border Wealth Management
At The Wealth Genesis, we specialise in supporting UK expats worldwide, understanding the unique financial challenges that come with living abroad.
As a fully independent firm, we are not tied to any specific financial service providers or investment managers, allowing us to assess the entire market and provide honest, unbiased investment advice.
